| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS WEST INC3 | 19707 44TH AVE WEST STE 201 LYNNWOOD, WA 98036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 5.06% |
| BENEFITS WEST INC3 | 19707 44TH AVE WEST STE 201 LYNNWOOD, WA 98036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 15.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSMART BENEFIT SOLUTIONS EIN 36-4099199 | Contract Administrator Service code 13 | — | $520K |
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 | Contract Administrator Service code 13 | — | $461K |
| BENEFITS WEST INC EIN 91-2152589 | Insurance agents and brokers Service code 22 | — | $172K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,262 | $180K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $84K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 0 | $568K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,262 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,262 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.